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the branches of automobile insurance, life and fire
It is around 221 files that these are unfolded operations pays the victims, Thursday, October 12, 2017, to the National Insurance Company. And this in the branches of automobile insurance, life and fire. 29 agencies have made possible the operations which have been the subject of compensation. These operations always take place in a climate of irremediable economic gloom. This is why a beneficiary has praised the act of bravery, patriotism and generosity that Sonas is constantly demonstrating to restore victims to their rights.
An accident is a fortuitous and imprescriptible act. To return to the classification of insurance, it should be recalled that automobile insurance is the insurance that covers insurable risks in the event of accidents committed or suffered by a vehicle or other self-propelled machinery. It is calculated according to the number of horsepower (CV) of the vehicle. As for life insurance, it responds to the inadequacy of a person who has ceased to be active in his or her life, whether by illness, death or retirement. It is an annuity paid to the individual or his family in relation to his contributions during his lifetime or when he still had his job or the strength to work. Finally, fire insurance is the insurance that relates to the insurable risks of a commercial building, a residential building, a business, a shop, or any other movable or real property exposed to the risk of fire. There are many cases of fires in Kinshasa. They are often dependent on either negligence with candles left on, or the poor quality of electricity supply, the tension of which can surge suddenly and unexpectedly. The same applies to the case of the sale of fuel on the safe side, that is to say, in residential houses. The pay of the victims of this Thursday 12 October 2017, informs that the Directorate General has compensated 86 victims. The agencies of Bandalungwa, Funa and Kasa-Vubu with 5 files compensated, each. On the other hand, the agencies of Barumbu, Commerce and Huileries with 7 files released by each of them. This was not the case at the Beach-Ngobila, Kinsuka, Kintambo and Ndolo agencies, where each of them compensated 3 cases. In addition, the agencies of Mbenseke, Fikin, Kalamu and N’djili each treated and released only one file. 9 cases were liquidated at DGI / Gombe. They were up to 11 files paid, to the agency of Gombe. 2 files released in each of Kimbanseke, Masina, Ngaliema, Ngiri-Ngiri and Socimat agencies. 4 files released in each of Kingabwa, Libération and N’sele Maluku agencies. The Limete agency with 13 compensated. Sainte-Thérèse with 6 victims compensated. And finally, the agency of June 30 with 8 files.
How to be compensated
The practical procedures to be followed and recognized by Sonas SA when a disaster occurs are that when you have been hit by a vehicle or it is your vehicle that has hit an individual or another vehicle, the first step is to call on an OPJ assigned to the road traffic police to verify the accident and to ensure that the PV is established in accordance with the facts as they occurred. The second step is that in the event of a collision with another vehicle, it is necessary to check on the place of the accident, if your opponent is insured.
In case you have caused bodily injury to a person, it is recommended that you take charge of first aid to save human life and relieve the victims. The costs incurred will be reimbursed by Sonas.
The third step is to report the accident within eight (8) days of the accident to the agency / SONAS where you have taken out your insurance policy or to the nearest agency . It is imperative that you bring your proof of insurance. Caution, a false declaration entails the forfeiture of the guarantee and the criminal prosecution. The fourth step is to show your opponent proof of insurance. As a result, Sonas must be required to have a claim number assigned to your file and, finally, an acknowledgement of receipt specifying all the documents required for the management of your file. Finally, the fifth step is only in case you are responsible for the accident, you must now direct the victim (s) to the agency / Sonas manager of your contract for his / her care and possibly its compensation. If your opponent is responsible for the accident and you are insured only in civil liability, you must check if your opponent is insured, before inviting him to follow the various steps provided in this procedure. When your opponent, who is responsible for the accident, is not insured, you can sue him, in accordance with the Civil Code to obtain compensation for the harm suffered.
